Send Money to Poland Effectively

norwayHow to send money to Poland cheaply and quickly.

As the world becomes increasingly connected and Canadians form stronger ties with people in countries all over the globe, the need to send international money transfers continues to grow. According to the 2011 census, there were over a million people of Polish descent living across Canada and many might be sending money back to friends and family living in Poland, whether to help pay mortgages, bills or simply give monetary gifts.

If you need to send money to Poland, whether to pay business expenses, your mortgage payments or simply to send money to a relative, it’s quick, easy and affordable to do so. Read on to find out how you can save money and time when you need to send an international money transfer to Poland from Canada.

Compare international money transfer services below

Rates last updated July 24th, 2018
Name Product Min. Transfer Amount Transfer Speed Services Description Online Transfer Fee Rate Amount Received
TorFX International Money Transfers
USD 150
1 day
Online, Phone, Agent
TorFX guarantee to beat any competitor's exchange rate for a transaction. Conditions apply.

Send money overseas in 45 currencies.
Exclusive: OFX (Ozforex) International Money Transfers
USD 150
1 day
Online, Phone, Agent
Exclusive offer: Discounted exchange rates for your first and ongoing transactions. $0 transfer fee.
A higher exchange rate applies to non-finder customers. Send money in 45 currencies.
WorldRemit International Money Transfers
CAD 0.51
Within an hour
Online, Bank Account to Bank Account, Cash Transfer
An online money transfer service with cash pickup, bank account to bank account and airtime transfers available.
Exclusive: World First International Money Transfers
CAD 250
1 day
Online, Phone
Exclusive offer: $0 transfer fee and discounted exchange rates for your first trade only.
A higher exchange rate applies to non-finder customers. Send money in more than 130 currencies.
TransferWise International Money Transfers
CAD 2.50
1 - 2 days
Make online transfers with transparent exchange rates, low fees and low minimum amounts.
XE International Money Transfers
1 day
Online, Phone, Bank Account to Bank Account
Send money in more than 60 currencies. Fee-free international money transfers with a global brand.
The ‘Rate’ and ‘Amount Received’ displayed are indicative rates that have been supplied by each brand or gathered by Finder.

Exchange rates are volatile and change often. As a result, the exchange rate listed on Finder may vary to the actual exchange rate quoted for the brand. Please confirm the actual exchange rate and mention “Finder” before you commit to a brand.

Compare up to 4 providers

Speak to an FX Expert

Enter your details to speak to a foreign exchange expert

By submitting this form, you agree to privacy policy
TorFX Logo

Save money on your personal or business international money transfer today. Fill in the form and you’ll be contacted by a foreign exchange expert to have an obligation-free discussion about your options. Our foreign exchange experts offer a best rate guarantee, are ASIC authorised and never charge transfer fees.

They can help you with all your needs including:

  • Buying property abroad
  • Emigrating
  • Regular overseas payments
  • Risk management
  • Forecasting

Banks versus money transfer companies: Which is your best option?

If you want to send money to Poland, your first thought may be to approach your bank. If you’ve already got an account set up, it’s quite easy to send an international money transfer through your bank.

However, banks generally charge high transfer fees and offer poor exchange rates, which are typically much lower than the prevailing market rates. With this in mind, you might be better off considering the services of a specialist money transfer company like TransferWise or WorldRemit. These companies offer fast and affordable international money transfers, typically providing much better exchange rates and lower fees than those you can find from a bank.

Case study: Jakub sends money to Poland

Jakub needs to send $2,000 Canadian dollars to his aunt and uncle in Poland, but he doesn’t like the sound of the low exchange rate and high fees his bank is offering. The official currency of Poland is the Polish złoty and he wonders if he can find a company that allows him to directly send Canadian dollars to the local currency.

Desperate for a better deal, he does some research and compares his bank’s money transfer features with those offered by a specialist money transfer provider. The results of his comparison show just how much money he can save with a money transfer company.

BankMoney Transfer Service
Exchange rate$1 CAD = 2.61 PLN$1 CAD = 2.73 PLN
Transfer fee$30$20
Transfer timeThree to five daysOne day
Transfer optionsBank account transferBank account transfer
Amount received (Polish Zloty)PLN5,220.00PLN5,421.79

As the above table shows, Jakub can send over 200 PLN more back to Poland by using a money transfer service, while he can also enjoy a significant saving in terms of the transfer fee.

How do you compare transfer companies when transferring money to Poland?

  • Exchange rates. The exchange rate is one of the most important factors to look for when sending an international money transfer. A higher exchange rate is always a good thing, but check to see if a company offers a slightly lower rate in return for offering lower transfer fees. Some companies will hide high fees inside a competitive exchange rate.
  • Fees. Most companies will charge a fee for every transfer you send, but some companies will completely waive their fee when you transfer more than a certain amount of money, however this is generally around the $10,000 mark.
  • Transfer methods. Check how you can send transfers with different providers: online, over the phone and/or by visiting a branch.
  • Transfer options. Some money transfer companies will offer flexible features to help make it easier and more cost-effective to send money overseas. These include market orders and forward rates to help you get an attractive exchange rate, plus the ability to schedule regular payments in advance.
  • Minimum transfer amounts. Check the fine print to see whether a provider has a minimum transfer amount in place. If you only want to send a small amount of money and won’t reach this limit, look elsewhere for a different provider.
  • Turnaround time. While some services allow your cash to be picked up within minutes, others can take several days for your money to reach its destination. Services that can send your funds quicker tend to charge higher fees.
  • Pick-up methods. Are the funds transferred into your recipient’s bank account, or are they able to visit a branch location or convenience store and pick up cash?
  • Customer service. This is a very important area that many people overlook when comparing money transfer providers. Look for phone, email and live chat support options so that you can receive assistance with a transfer whenever you need. Ensure the customer service hours work well with your schedule.

How can you send money to Poland from Canada?

If you want to send money to Poland, make sure to consider the following options:

  • Specialist money transfer company. These money transfer providers offer fast and affordable transfers to Poland. Examples of companies that offer this service include CurrencyFair and TransferWise.
  • Cash pick-up money transfer provider. Companies like Western Union and MoneyGram allow you to send funds from Canada which can then be picked up in cash in Poland within minutes. These companies tend to charge higher fees for their speedy services.
  • Bank transfer. Most banks will allow you to send money from Canada to Poland, but you will typically be able to find lower fees and better exchange rates elsewhere.
  • PayPal. You and your recipient must both have PayPal accounts in order to use this reliable online payment system to send money overseas.
  • International money order. This old-fashioned method is being slowly phased out around the world, where you get an international guaranteed cheque from your bank. It is the slowest way to send money overseas, since you are posting it via the mail.

Emergencies happen, how can you get cash quickly in Poland?

When things go wrong in an emergency situation, you may find yourself in need of emergency cash. Fortunately, you can have a friend or family member send a same day transfer to your location overseas. While a couple of services can send funds in just minutes, they do charge higher transfer fees for their speedy services. With this said, it can be quite easy not to pay full attention to the particulars of an international money transfer.

However, it’s vital that you, or the sender of your money, takes the time to read the fine print before committing to any transaction. High fees and terrible exchange rates can end up costing you a lot of money, so double check all of the details of any transaction before you commit to the transfer.

Western Union and MoneyGram locations in Poland

Western Union and MoneyGram both allow you to transfer money to Poland, where it can be picked up in cash from an agent location. If you use one of these convenient services, remember that your recipient will need the details of the transaction and a valid photo ID in order to pick up the money. If you’ve transferred a large amount of money, they may need to call ahead to ensure that the agent has enough cash on hand for them to pick up.

Western Union

  • 1 Minute

    Zwirki I Wigury 1 Lotnisko Okecie Ter 2


    Warszawa, Mazowieckie 00 906


    Open 5:30am to 11:30pm 7 days

  • Niepodleglosci Naruszewicza

    Metro Wierzbno

    Warszawa, Mazowieckie


    Open 6am to 10pm Monday to Saturday, open 8am to 8pm Sunday

  • Inmedio

    Kamienskiego11lok C 1 C H Bonarka Krakow


    Krakow, Malopolskie 30 644


    Open 8am to 9pm Monday to Saturday, open 9am to 10pm Sunday

  • Interchange Polska

    Pijarska 23

    Krakow, Malopolskie 31-042


    Open 8am to 10:45pm 7 days


  • Up Warszawa 81 – #1724

    Nowogrodzka 45

    Warszawa, 00-694


    Open 8am to 8pm Monday to Friday, open 8am to 4pm Sunday

  • Bank BGZ

    Wawozowa 18

    Warszawa, 02-796


    Open 8am to 4:15pm Monday and Tuesday, open 10am to 6:15pm Wednesday to Friday

  • Bank BGZ

    Pawia 5

    Krakow, 31-154


    Open 8am to 9:15pm Monday to Friday

  • Bank BGZ

    Sw. Gertrudy . 24

    Krakow, 31-048


    Open 9am to 5:15pm Monday to Friday

Tips and things to be aware of when picking up cash in Poland

According to the Government of Canada, Poland is generally a safe country to travel to, with visitors recommended to exercise a normal degree of safety precautions. However, just because Poland is considered safe to visit, it doesn’t mean you should forget to be careful when picking up cash.

Take a friend with you when you pick up the funds for extra security. Don’t wave your cash around in front of any strangers and make sure to avoid any dangerous areas of town. Head straight to your bank to deposit the cash, or put it in a safe place like a hotel safe. Try to avoid public transportation with large amounts of cash on you.

Transfer money from Canada to Poland quickly and easily

The list above shows that there are several options to choose from when you want to send money to Poland. While the transfer method does vary slightly depending on the option you choose, you’ll generally have to open an account with a provider before they allow you to transfer funds. This means you’ll need to provide your name, address, date of birth and proof of identification.

After sending your transfer, hold on to any receipt or tracking number you are given so that you can monitor the progress of your funds.

Sending money to Poland from Canada is quick, easy and affordable. Remember to compare your options and find a provider that offers the best combination of convenience and affordability.

Was this content helpful to you? No  Yes

Ask an Expert

You must be logged in to post a comment.

Go to site